Compare J&K Bank with Development Credit Bank - Equitymaster

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J&K BANK vs DCB BANK - Comparison Results

J&K BANK     Change

Jammu and Kashmir Bank Ltd (J&K) is the first state owned bank of the country and 53% of equity is held by the government of J&K. The bank has a network of 475 branches spread over the country. During the year, the bank recorded an over 23% growth in... More

DCB BANK 
   Change

Development Credit Bank (DCB) is a small new generation private sector bank serving around 6 lakh customers with a network of more than 80 branches and 130 ATMs. Its branches are concentrated in western India with 65% branches located in Maharashtra,... More

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Current Valuations

    J&K BANK DCB BANK J&K BANK/
DCB BANK
 
P/E (TTM) x -0.8 7.2 - View Chart
P/BV x 0.2 0.8 20.1% View Chart
Dividend Yield % 0.0 1.2 -  

Financials

 J&K BANK   DCB BANK
EQUITY SHARE DATA
    J&K BANK
Mar-18
DCB BANK
Mar-19
J&K BANK/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs96209 45.9%   
Low Rs55140 39.1%   
Income per share (Unadj.) Rs1,189.298.3 1,210.3%  
Earnings per share (Unadj.) Rs36.410.5 346.3%  
Cash flow per share (Unadj.) Rs167.439.4 424.9%  
Dividends per share (Unadj.) Rs01.00 0.0%  
Avg Dividend yield %00.6 0.0%  
Book value per share (Unadj.) Rs1,105.9100.6 1,099.2%  
Shares outstanding (eoy) m55.68309.55 18.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.11.8 3.6%   
Avg P/E ratio x2.116.6 12.5%  
Avg P/CF ratio x0.311.6 2.6%  
Avg Price/Bookvalue ratio x0.11.7 3.9%  
Dividend payout %09.5 0.0%   
Avg Mkt Cap Rs m4,18253,862 7.8%   
No. of employees `0001.06.1 16.6%   
Total wages & salary Rs m12,8694,340 296.5%   
Avg. income/employee Rs Th64,852.14,958.4 1,307.9%   
Avg. wages/employee Rs Th12,604.2707.5 1,781.5%   
Avg. net profit/employee Rs Th1,985.2530.4 374.3%   
INCOME DATA
Interest income Rs m66,21430,415 217.7%  
Other income Rs m5,0083,502 143.0%   
Interest expense Rs m37,50218,922 198.2%   
Net interest income Rs m28,71211,493 249.8%  
Operating expense Rs m19,9028,529 233.4%   
Gross profit Rs m8,8102,964 297.2%  
Gross profit margin %13.39.7 136.5%  
Provisions/contingencies Rs m11,7921,401 841.9%   
Profit before tax Rs m1,2095,065 23.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-8181,812 -45.1%   
Profit after tax Rs m2,0273,254 62.3%  
Net profit margin %3.110.7 28.6%  
BALANCE SHEET DATA
Advances Rs m569,127235,680 241.5%   
Deposits Rs m800,045284,351 281.4%  
Credit/Deposit ratio x71.182.9 85.8%  
Yield on advances %8.710.4 84.2%   
Cost of deposits %4.56.0 75.1%   
Net Interest Margin %3.43.4 101.7%  
Net fixed assets Rs m16,1495,260 307.0%   
Share capital Rs m5573,096 18.0%   
Free reserves Rs m32,33628,049 115.3%   
Net worth Rs m61,57631,144 197.7%   
Borrowings Rs m16,28327,232 59.8%   
Investments Rs m188,60078,441 240.4%   
Total assets Rs m896,844357,918 250.6%  
Debt/equity ratio x13.310.0 132.5%   
Return on assets %0.20.9 24.9%  
Return on equity %3.310.4 31.5%  
Capital adequacy ratio %11.416.8 67.9%  
Net NPAs %4.90.7 753.8%  
CASH FLOW
From Operations Rs m23,627-2,813 -839.8%  
From Investments Rs m-1,639-764 214.4%  
From Financial Activity Rs m6,6847,792 85.8%  
Net Cashflow Rs m28,6724,214 680.4%  

Share Holding

Indian Promoters % 53.2 0.9 5,911.1%  
Foreign collaborators % 0.0 15.5 -  
Indian inst/Mut Fund % 4.3 23.2 18.5%  
FIIs % 29.3 15.0 195.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 13.3 45.5 29.2%  
Shareholders   56,111 184,073 30.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   KARUR VYSYA BANK  CANARA BANK  SOUTH IND.BANK  BANDHAN BANK LTD  ALLAHABAD BANK  

Compare J&K BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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Jul 9, 2020 03:35 PM

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